Credit Cards

Our rates speak for themselves.

Looking for a great rate on credit cards? We have some of the best rates in the nation. We now offer a flexible Annual Percentage Rate (APR) that is based on the Prime interest rate. (Rates are updated monthly.) This means that regardless of changes in the financial world, your rates won’t skyrocket.

In addition to basing our rates on Prime, we also base interest rates on your credit and payment history. Members with outstanding credit could receive an APR as low as 4.95% over Prime. If you have less than perfect credit, you can still receive a great low rate.

Our credit cards feature:

  • 0% Annual Percentage Rate for 6 months on retail purchases and balance transfers
  • Low flexible APR
  • No annual fee
  • 25 day interest free grace period
  • No balance transfer fees
  • No cash advance fees, plus you get the same rate as purchases*
  • Share Secured cards available
  • View transactions and make payments online.
Card Type Rates Limit Annual Percentage Rate
  Platinum MasterCard   $200 – up to 2x gross monthly income Variable

Prime plus 4.95% – 18.00%

No annual fee – 3% minimum payment due each month

Annual Percentage Rate based on credit score and Prime Rate

*Introductory 0% APR does not apply to cash advances.  Cash advances default to your approved APR.

Credit Card Act Disclosures

Secured Credit Cards

The perfect card to help you establish or rebuild your credit.  Easy to qualify.  You set your limit with the amount you have in your credit union savings account. Our secured credit cards feature the same benefits above with the following requirements:

130% pledged in a secured savings account.  Minimum card limit $200 which requires $260 pledge. Introductory Annual Percentage Rate not available on secured credit cards. Current APR is 13.50% which is determined by 10.00%+Prime Rate.  As your credit improves you can apply for an unsecured card and improve your interest rate.

Questions? Give us a call at 972-715-4444.

Verified by Visa

Prestige Community Credit Union’s Verified by Visa program is the easy new way to enjoy added security for all your online Visa card purchases. Prestige and Visa are pleased to offer you this great service at no additional charge. Click the links below to learn more:

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